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🏦 Zuma Loans

Your Zuma activity is your credit history. Instant loans from the Zuma Escrow pool, marketplace loans from verified lenders in Kenya — repaid automatically from your wallet.

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⚡ Zuma Escrow Kenya Zuma Escrow pool · pool KES 5,000,000

The Zuma-operated lending pool for Kenya. Instant, score-based loans repaid from your Zuma Pay wallet.

Zuma Instant · 6.0% /month · up to 30,000Zuma Business Boost · 4.5% /month · up to 100,000Zuma School Fees · 3.5% /month · up to 60,000
SACCO

Agri Input Loan

Machakos Community SACCO · Machakos · ★ 4.5
1.5% /month
KES 5,000 – 150,000 · 60–270 days · fee 1.00% · KYC tier 1+ · score 500+ Apply
SACCO

Emergency Loan

Nairobi Community SACCO · Nairobi · ★ 4.0
2.0% /month
KES 500 – 30,000 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 10,000Apply
SACCO

Emergency Loan

Mombasa Community SACCO · Mombasa · ★ 4.6
2.0% /month
KES 500 – 30,000 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 10,000Apply
SACCO

Emergency Loan

Kisumu Community SACCO · Kisumu · ★ 3.8
2.0% /month
KES 500 – 30,000 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 10,000Apply
SACCO

Emergency Loan

Nakuru Community SACCO · Nakuru · ★ 4.3
2.0% /month
KES 500 – 30,000 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 10,000Apply
SACCO

Emergency Loan

Eldoret Community SACCO · Eldoret · ★ 3.9
2.0% /month
KES 500 – 30,000 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 10,000Apply
SACCO

Emergency Loan

Thika Community SACCO · Thika · ★ 4.2
2.0% /month
KES 500 – 30,000 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 10,000Apply
SACCO

Emergency Loan

Nyeri Community SACCO · Nyeri · ★ 4.5
2.0% /month
KES 500 – 30,000 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 10,000Apply
SACCO

Emergency Loan

Machakos Community SACCO · Machakos · ★ 4.5
2.0% /month
KES 500 – 30,000 · 7–60 days · fee 1.00% · KYC tier 1+ · score 450+ · ⚡ instant up to 10,000Apply
Microfinance

Asset Finance

Nairobi Microfinance · Nairobi · ★ 4.2
2.2% /month
KES 20,000 – 1,000,000 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Mombasa Microfinance · Mombasa · ★ 4.7
2.2% /month
KES 20,000 – 1,000,000 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Kisumu Microfinance · Kisumu · ★ 4.6
2.2% /month
KES 20,000 – 1,000,000 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Nakuru Microfinance · Nakuru · ★ 4.7
2.2% /month
KES 20,000 – 1,000,000 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Eldoret Microfinance · Eldoret · ★ 4.0
2.2% /month
KES 20,000 – 1,000,000 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Thika Microfinance · Thika · ★ 4.3
2.2% /month
KES 20,000 – 1,000,000 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Nyeri Microfinance · Nyeri · ★ 4.6
2.2% /month
KES 20,000 – 1,000,000 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Asset Finance

Machakos Microfinance · Machakos · ★ 4.8
2.2% /month
KES 20,000 – 1,000,000 · 90–730 days · fee 2.50% · KYC tier 2+ · score 600+ Apply
Microfinance

Biashara Working Capital

Nairobi Microfinance · Nairobi · ★ 4.2
3.0% /month
KES 5,000 – 500,000 · 30–365 days · fee 2.00% · KYC tier 2+ · score 550+ Apply
1 · ScoreWallet activity, repayment history, account age and verification build your Zuma score (300–900).
2 · ApplyPick a product, choose amount, tenure and installments; confirm with your PIN.
3 · DisburseEscrow loans within limits are instant; lenders decide in their console. Funds land in your wallet.
4 · RepayInstallments auto-collect from your wallet on due dates; late fees and defaults are transparent.